An exciting new Condominium development is arriving in Toronto at 575 Bloor Street East for those looking for luxury condo homes. ViaBloor, a new condominium from Tridel, will bring luxury, convenience, and practicality to its future residents. This article will give you important information about the building, neighbourhood, who should consider living there, and how it is a great opportunity to rightsize.

About Via Bloor and the Neighbourhood

Via Bloor is a new luxury condo development by Tridel that is scheduled for completion in early 2021. There will be 374 units spread over 37 stories. The rooms will have one to three bedrooms, one to three bathrooms, and sizes range from 1167 to 3104 square feet. Each room comes equipped with the latest smart home technology. The building also provides many attractive amenities, including a sauna, steam room, swimming pool, fitness centre, and party room.

Via Bloor will also have five exclusive penthouse suites. These suites are two-storeys, and they feature solar ceilings, intelligently designed kitchens, panoramic views of the city, and even private in-suite elevators! Tridel considers these suites to be “the pinnacle of sky-high luxury.”

The condo building is also located in a superb area, offering great convenience to its residents. It is just a two-minute walk from Sherbourne Subway Station, giving it a transit score of 95/100. It also has a walkscore of 91/100, as residents can walk to many nearby shops, restaurants, and schools. There are also many nearby parks, such as St. James Town West Park, Winchester Park, and Craigleigh Gardens Park. It is an easy walk to great Neighbourhoods: the Danforth Village, Cabbagetown, and the Million Dollar mile at Bay and Bloor.

Neighbourhood wise, Via Bloor will be a mixed community with a lot of new Canadians and “right-sizers”. It is at the junction of four great neighbourhoods: Rosedale, Danforth Village, Cabbagetown’s Parliament Street, and Bloor Yonge.

Current prices for available units range from $1,197,000 to over $3,350,000. The average price per square foot is $1102.

Who Should Consider Via Bloor

Via Bloor is great for all demographics who value a luxurious, modern, and convenient condo lifestyle. Young people will enjoy modern smart-home technology and amenities. Professionals working downtown will benefit from the easy commute. And older people will find the size of the home to be suitable and the neighbourhood to have everything they need.

Richard Silver, Senior Vice President of Sales at Sotheby’s Canada, says,

It will be a great base for people who are interested in an easy lifestyle, steps to the subway, and a location where a car is not needed.

On Rightsizing

More space is always better…right? Not necessarily. Many people, as they age, move into bigger homes and accumulate more and more things. That feels like a success when it comes to choosing a home. But eventually, so much of their home just become storage space for things that they don’t even use. As a result, they end up living in a property that’s too big for them to handle. Their “success” becomes a burden.

Barry Lebow, the founder of The Accredited Senior Agent Designation, defines rightsizing as “to undergo a reduction to an optimal size.” Lebow gives a better definition of home success: living in an optimal space that’s the most suitable for your current situation.

Via Bloor is a great rightsizing opportunity to for those who value luxury living and find their current house too big for their needs. Perhaps you’re finding it troublesome to climb the stairs all the time or to take care of the garden. Or perhaps too many rooms are collecting too much dust. Via Bloor will offer these people a great quality of life improvement with its well-designed layout, amenities, and walking proximity to parks and shops.

Some people may struggle with the idea of a reduction in space because they have so many things with sentimental value that they can’t throw away. If this is your situation, you can ask yourself, “Do you own these things, or do these things own you?” You can also use the Marie Kondo method by asking yourself, “Does this item spark joy in me?” If yes, keep it. If no, let it go. Alternatively, you can get professional help to sort out what to keep and what to let go of. Ann Christie from Declutter and Downsize has helped many of our clients downsize happily and effectively.

Silver himself is actually planning to rightsize, and he says,

We are really looking forward to moving from our large home to a smaller unit with great amenities and security that allows for travel or extended periods of carefree living. Imagine no shovelling of snow or cutting grass!

Arriving in early 2021, Via Bloor will bring an exciting living space that is luxurious, modern, convenient, and practical. It will appeal to anyone interested in those qualities, such as young professionals and older right sizers.

If you are interested in Via Bloor, you can contact Richard Silver at 416-587-3300 or . He has one 3-bedroom unit available, and that unit has a beautiful view of the Rosedale Valley Ravine. He also has a great relationship with the builder, so he can find units that may be under assignment.

You’ve gone through the long process of buying your home. You’ve been responsibly paying your mortgage every month. You wonder, “Wouldn’t it be nice if I could reduce my monthly mortgage payment? How do I do that?” Well, you just might be able to by refinancing your property, and that’s not the only benefit either.

This article will explain what refinancing a property means, the common reasons for a refinance, and whether or not you should refinance.

What Does it Mean to Refinance a Property?

Refinancing a property can mean taking out a new mortgage that pays off your old mortgage, or changing the terms on your existing mortgage. The desired result is better mortgage terms for you.

Note that a similar but slightly different term that you may see elsewhere is refinancing a mortgage. Refinancing a mortgage means taking out a second mortgage that pays off your old mortgage, but it does not mean changing the terms on your existing mortgage. So in essence, refinancing a mortgage is one of the two ways to refinance a property. 

Why do people refinance a property?   There are 5 reasons why people might refinance a property:

1. To get a lower interest rate
2. To change the loan amortization
3. To add to the amount of equity
4. To borrow against the accumulated equity
5. To cash out a portion of the accumulated equity 

If any of these reasons are applicable to you, it might make sense for you to refinance your property.

Getting a lower interest rate

The main reason people refinance a property is to save money on their monthly payments by getting a lower interest rate. Many people have worked for many years after purchasing their home, and in those years, they’ve paid their bills on time and built up a better credit score. Another possibility is that the interest rates in the economy dropped. Both these situations give homeowners the opportunity to get loans at a lower interest rate than when they first bought the property.

Changing the loan amortization

The second common reason for refinancing is to change the loan amortization, which affects how long the loan lasts; the longer the amortization, the lower the monthly payments. Many people who refinance actually want a longer amortization period in exchange for a lower monthly payment, which reduces stress around cash flow. Some also find themselves in better financial situations than before, so they choose to refinance to a shorter amortization with higher monthly payments. When interest rates fall, homeowners may also get the opportunity to refinance their property with a new mortgage that has roughly the same monthly payment but a shorter amortization, allowing them to pay of the mortgage faster. 

Adding equity

The third reason is to add a significant amount of equity to your property. When you refinance, you can pay down a significant amount of the old mortgage, thereby adding to your equity, so that in your new loan, the amount you owe is less. That means you can have lower monthly payments and/or a shorter amortization.

Borrowing against the accumulated equity

The fourth reason is to borrow against the equity you’ve built up via a Home Equity Loan, which is essentially a second mortgage with a fixed amount, interest rate, and repayment period. The interest rate will be slightly higher than your first mortgage, but still low compared to other sources of debt. Many homeowners may take out a Home Equity Loan to finance major purchases like a car, home renovations, or children’s education. Some people also choose to use that money to pay off credit card debt, which has a much higher interest rate. Finally, people may put that money into investments that will hopefully return a higher rate than the rate of the Home Equity Loan.

Cashing out a portion of the accumulated equity

The fifth reason is to cash out a portion of the equity via a Cash-Out Refinance Loan, which means refinancing your mortgage to a larger one and getting the difference in cash. This also means you’d have to negotiate new terms for the new mortgage. People often use a Cash-Out Refinance Loan to pay for home renovations because the renovations should increase the value of the home, which then compensates for the increased mortgage, while they get to enjoy living in a nicer home.

Should I Refinance my Property and When?

First, do any of the five above reasons apply to your situation? If so, then refinancing might make sense for you. 

David Smith

Next, you need to check the terms of your current mortgage to see if there’s any penalties for refinancing. Most lenders require borrowers to maintain their original mortgage for at least 12 months before refinancing is allowed. Also, they often impose a penalty if the borrower wants to pay off the loan before it matures, which often happens if you want to refinance your property.

Finally, you need to calculate if the savings outweigh the costs. 

David Smith, a mortgage broker at Oriana Financial, gives the follow advice:

The best circumstances for refinancing a property would be if interest rates have fallen and you can get out of your existing mortgage without a penalty that negates the savings.

Smith also cautions homeowners to be careful with Home Equity Loans:

If the refinance involves borrowing against the equity of the home in the form on a second mortgage, then a careful reading of the terms and conditions within the instrument is essential. Is there a renewal fee? Is there a discharge fee? What are the terms under which I can pay off this loan?

If you’ve had your mortgage for a while and you’ve been building up a good credit score, or if interest rates have dropped, then refinancing your mortgage can be a great opportunity to reduce your interest rate, change your amortization period, or get some extra funds. 

But before you refinance your mortgage, it’s extremely important to sit down with a lender or mortgage broker and do the math to see how much you’d save per month, what the costs are, and how long it’d take for the savings to exceed the costs.

If it’s not a good time for you to refinance right now, keep paying those mortgage payments and building your credit score so that you’ll be ready when future opportunities come.

Laura Peery is a Global Real Estate Advisor with expertise in the Richmond and Chesapeake Bay areas of Virginia. Before working as a realtor, Laura had a career as a behavioural health counselor, spending her time focused on helping others, including active duty military veterans, get their lives back on track.

Laura understands what’s involved in buying and selling a home and uses her previous training along with her real estate expertise to help put her clients at ease during a traditionally stressful time.  Her knowledge of the market and relaxed approach helps keep her clients happy. 

What inspired you to pursue a career in real estate?

I was a therapist for a number of years and wanted a change.  Since real estate is a career where people are making huge and stressful decisions, I figured my previous career would make me a good fit for the field.  I am a good mediator and therapist and this allows me to help people make the important, albeit stressful, decisions involved in buying and selling real estate. 

Tell me about how you got started in the industry?

I have been in the business for six years.  After I took the real estate exam, I joined a brokerage that was family owned, and the same company where I had bought two of my homes.  Their core values aligned with my own,  they had just joined the Sotheby’s brand, so it was a no-brainer for me to become a part of this team. 

What aspects of the real estate business excite you most? Why?

My speciality is representing sellers.  I am hands on from the beginning through to the end of the process, and enjoy working towards the first showing (which is online) and making sure the home looks fantastic both online and in person. I enjoy making sure that things look great aesthetically and consider that part of my brand.  Over the past year or two I’ve had the opportunity to work with more buyers and have been able to help them strategize through competitive situations where they are up against multiple offers, to help them get the best possible deal. I love finding negotiation points along the way to help put them in their dream home.

What is the most rewarding/challenging thing about working in real estate?

Easily the most rewarding thing is the relationships that I have with my clients.  The most challenging aspects of the job have helped me sharpen my game to help create an efficient process that everyone is happy with. Since buying and selling your home can be very stressful, this is where my therapist training comes in handy, giving me an intimate knowledge of what’s going on behind those stresses.

What’s the best way for someone to explore a potential neighbourhood?

Walk the neighbourhood, drive around, go on the weekend when people are out and about, see what it’s about, and get a feel for the vibe to see if it’s right for you. You can explore an area online but you won’t get the same sense unless you go out and experience it for yourself.  

Where do you live and what do you love most about living there?

I live in Windsor Farms, a neighbourhood in Richmond Virginia that I’ve called home for 27 years.  It’s the oldest formalized neighbourhood in Richmond with a lot of interesting history, and architecture.   The neighbourhood has older homes and was built in the 1930s, which I love. I also enjoy the convenience of being close to all the local highways and only 20 minutes away from the airport. 

Why did you decide to be a part of the Exceptional Agent Network of Sotheby’s Agents (EAN)?

The EAN is a great way to get to know other colleagues within the brand.  The quality and calibre of their business is similar to mine and what I aspire to be. It’s a group of like-minded professionals who are ready and willing to share best practices. I used a member of the EAN as a resource because it’s filled with  people who understand the business but aren’t your direct competitors.  

Recently I used the EAN to speak to people who had experience in real estate relating to a vineyard property. I connected with people within the brand and was able to get valuable feedback including what questions I should be asking. Thanks to the information I gained from my EAN network I am bringing the vineyard listing to market this spring. I couldn’t have gotten that without the network from the EAN. I know how to market and leverage my brand, but being able to call in on my EAN friends, I’m able to fill spaces where I might not have as much knowledge. The people in the EAN network are giving and able to share without hesitation because we are all in different markets.

Dev Parikh: Berkeley, California | Richard Silver: Toronto, Ontario | David Gemme: Lake Tahoe, California | Shawn Woof: Muskoka, Ontario | Andy Stephenson: Victoria, British Columbia | Laura Peery: Richmond, Virginia | Mckinzie Casey: Denver, Colorado | Paul Ybarbo: San Francisco, California

How did you become an expert on Virginia’s luxury home market?

I have a specialty in Richmond and the nearby counties, but my other area of expertise is in the Northern Neck of Virginia where many people have secondary homes near Chesapeake Bay on the waterfront. There’s so much waterfront in Virginia, and it’s about an hour or two away from many people’s primary homes, making it the perfect location for weekend homes, summer and vacation homes, or a place to retire. 

I have a home in the area and discovered there was no other luxury brand with a presence there, and homes are being listed primarily by local realtors. Since the housing issues of 2007-2008, sellers are looking for ways to have their properties attract the most buyers, and this is where my expertise comes into play. Until recently it has been a buyer’s market in the area, although this has begun to shift, as people are selling their secondary homes, so they rely on my help to have their home show best. Buyers tend to care more about getting a beautiful view more than what county their secondary home is in. Today I have a heavy presence in the area and people have even nicknamed me “the river queen” because of my knowledge of the waterfront area. I get a lot of referrals within the area, and I’m contacted by people remembering the work I have done with other nearby homes.  

One of Laura’s Listings – 220 Middle Quarter Lane Henrico, Virginia

What professional accomplishments are you most proud of?

I am proud that I am one of the top sales leaders in my brokerage after only being in the business for such a short period of time. I love travelling within the brand and meeting people around the world.  

Last year I had a client, a couple, who wanted to sell their house in Richmond, buy a smaller place in Richmond, by a secondary property on the river, and rent a place for a month during the process.  It was a domino effect of transitions but being able to navigate a seamless group of transactions like this was a real accomplishment. They rented a house that I owned; we completed four different transactions within a month of each other. They were thrilled with the entire process and end result, and I was happy to manage that.

What would you say are some of the most important things a person should consider when buying a home?

Location is the primary factor because you can always make changes within a home, but that land where that dirt is can’t be changed. You need to live in a location that will meet your needs in terms of: where your children go to school, where you work, proximity to the airport, or whether it’s wanting green space – making sure that your home meets your lifestyle needs. Secondly, they should make sure they have a realtor they trust representing them to help look out for their interests and to help get the best deal possible on their purchase. People use doctors, carpenters, and lawyers for their expertise, and it’s no different in the world of real estate.

If you need good advice in other locales please contact us. Here is a map of our Exceptional Agent Network of Sotheby’s Agents and we will make sure you are referred to the best!

EAN map

In a housing market like Toronto, where prices are so high and continuing to rise, most people are simply priced out of the market for the average house. This is especially true for first-time buyers. But what about the idea of buying a starter home to get into the real estate market earlier and take advantage of the rising market?

As the name implies, a starter home is a below-average property that you plan to live in for the next 3-6 years or so, and then sell for hopefully a nice profit so you can move into a more permanent home. A 2015 study by Genworth Canada showed that 50% of first-time buyers see their first home as a starter home, from which they plan to move out of within 10 years.

Celia Alves

Celia Alves, a Sales Representative at Sotheby’s International Realty, who has experience working with young buyers, provides more context about starter homes in Toronto specifically:

Starter homes in Toronto as you can imagine are very much in demand. They are usually in need of a cosmetic face lift and are priced competitively. We have seen a great number of first-time clients move just outside of the Toronto core to areas such as Scarborough, Brampton, Orangeville, Richmond Hill, Markham, and Oshawa. A large segment of the first-time home buyer’s market has also been condominiums.

This article will go into further detail about types of starter homes, what you need to consider before buying, and whether or not they makes sense for your situation.

Types of Starter Homes

In general, there are four types of starter homes:

1. Attached homes
2. Condos
3. Fixer-Uppers
4. Homes in less desirable areas

Attached homes are homes with at least one wall shared with another home, hence the lower price. That includes townhouses and semi-detached homes.

Condos are getting more and more popular in Toronto. Jenelle Cameron, a Toronto-based realtor, says that the majority of her clients are buying studio condos for their first home. According a torontostoreys article, supply for condos was 6,500 on average between 2012-2015, but in 2019 supply was only 3,000. One reason for this decline is because many owners who have relocated to a larger house chose to keep their condo and rent it out, thereby limiting supply and driving up prices.

Fixer-uppers require you to do some repairs and possibly renovations. These costs can be very expensive, time consuming, and emotionally draining, so think carefully before buying a fixer-upper, especially for your first home purchase!

Homes in less desirable areas refer to areas far away from the city center, where most people work, or areas that are more run-down.

What to Consider Before Buying a Starter Home

There are four major considerations when it comes to buying a starter home:

1. The housing market in that area
2. Your time horizon
3. Your needs
4. Your alternatives

If you hope to profit off of a starter home, it’s very important that the housing market is rising. Historically, Toronto’s prices have soared, and most believe that prices will continue to rise, especially over the long-term. That being said, no one can predict the future with 100% certainty, so there’s always the risk that prices may stagnate or decline, and that risk increases the shorter your time horizon is. That brings us to the next point: time horizon.

Experts recommend to buy a starter home with the mindset of keeping it for at least 5 years. The main reason is that it generally takes 5-7 years just to break-even with the transactions costs of buying and selling, as well as all the expenses of home ownership. Additionally, the way mortgage payments work is that in the beginning, you’re mainly paying off interest rather than the actual debt, so you’re building very little equity. However, in a market like Toronto’s, many people have sold their starter home after just 3 years and reaped significant profits. It depends on how fast prices are rising, which again, is hard to predict.

Another consideration is your needs. As mentioned previously, starter homes will likely be much smaller, far from the city centre, or be in more run-down neighbourhoods. If you are planning to have a family soon and you want to buy a starter home, you might end up having to move within a few years and losing money on that starter home. Or if you hate commuting, if might be better to just continuing renting near your work. And that brings us to the last point: alternatives.

Aside from using your savings to take out a mortgage and to a starter home, how else could you use that money? One option is to continue renting and putting any extra savings into other investments. Low risk and low return investments include GICs, bonds, and mutual funds. Higher risk investments with potentially higher returns include stocks and index funds. Another option purchasing a cottage and renting it out. This torontolife article highlights many cases of people who wanted to buy a home in Toronto but couldn’t afford it, so they ended up buying a cottage and renting it out as a way to save up money.

Does it Make Sense for Me to Buy a Starter Home?

Given all the above considerations, it might make sense for you to purchase a starter home if

1. You’re in a soaring housing market.
2. Your time horizon is at least 5 years (although you could sell sooner if a good opportunity arises).
3. You actually find a starter home that suits your needs for the next 5 or so years.
4. You don’t like your other alternatives.

You might be thinking, “Wow, those are some high requirements!” Yes, and that’s because purchasing your first home and getting a mortgage is a very big deal.

Alves gives three major pieces of advice:

We advise our first-time clients to look at properties in up-and-coming neighbourhoods that may need some TLC (tender loving care) or properties that other buyers may have over looked. Another tip is to look for a property that may allow the opportunity for a secondary suite to generate rental income and help offset the mortgage. Thirdly, look for a house with potential to add on or add up so that it can be a longer-term home. This may be important because we have noticed that clients who have outgrown their first home and are looking to move to a bigger home continue to face similar competition and affordability hurdles.

She also gives a couple stories from her clients:

A client who purchased a pre-construction condo lived in it for a few years while she was single and was able to build her real estate portfolio that way.  Once she got married, she was able to take the equity from her condo and invest it into a larger townhouse closer to where she ideally wanted to be.  Another client bought their first starter home and decided to use it as an investment property.  They bought a ‘fixer upper’ where they were able to renovate it so they could live in the lower level while renting out the top floor for more money to essentially live for free.

Buying a starter home is a great way to get into the rising Toronto real estate market as early as possible. But it’s also extremely important that you don’t rush. If you’re not sure whether buying that particular starter home is a good idea for you, then chances are, it’s better you don’t do it. In the mean time, you can continue to rent and put away savings in a low-risk investment while continuing to search for a good starter home.

Where does luxury meet value in downtown Toronto real estate? You may not expect it to be the building formerly known as Trump Hotel and Residences, but indeed, it is the St. Regis Toronto. The tumultuous and even controversial history of the building has, if anything, contributed to the great price for such luxurious property.

Currently, the condominium units are going for about $1,200 per square foot, whereas comparable luxury units are up to $1,700 a square foot. Jim Burtnick, Senior Vice President of Sales at Sotheby’s International Realty, states that the St. Regis Toronto is now:

the best value in 5 star hotel and condo residences.

The Rough History

In case you aren’t familiar with its history, construction started as the economy went into the 2008 recession. It went through many struggles until finally opening in 2012 as the Trump International Hotel and Tower Toronto. It was and still is the third tallest skyscraper in Canada and the tallest mixed-use building in Canada. The hotel portion of the building occupies floors 2 to 31, and the condominium residence units are on floors 32 to 57.

—-> Read more: St. Regis Residences: When Life Gives You Lemons, Make Lemonade

After opening, sales were sluggish. By mid-2017, 74 out of the 118 residences were still unsold. The building was also getting negative publicity for its affiliation with Trump, who had just restricted people from primarily Muslim countries from entering the US.

In June 2017, JCF Capital bought the property from The Trump Organization, believing that the property had bright prospects under the right management. JCF partnered with Marriot to bring to Canada its first St. Regis, a brand synonymous with wealth and luxury. The hotel portion of the building was bought by InnVest Hotels LP, who invested $20 million in upgrades. For a little over a year, the building was being redesigned and upgraded, and it finally opened as St. Regis Hotels and Resorts on November 28, 2018.

An Overlooked Gem

During the opening, fashion icon Jason Wu, who is best known for designing the dresses of Michelle Obama, announced that it’s “a new era of glamour arriving in the city with the opening of the St. Regis Toronto.” Is this an overstatement? You can decide for yourself.

Let’s start with the condominium units. They are brand new with a modern design, featuring Italian hardwood flooring, solid wood doors, steam showers, and pot lights. The units range from 1,500 square ft. to a massive 12,000 square ft, and all units feel extremely spacious with 10.5 foot coffered ceilings.

311 Bay Street #3405 available for sale

311 Bay Street #3405 available for sale

Units also feature large windows with breathtaking views of the city on both sides, and are provided with top-end appliances.

311 Bay Street #3405 available for sale

311 Bay Street #3405 available for sale

St. Regis residences get access to international standard 5-star amenities, including a pool, gym, spa, bar, and the award-winning Louix Louis restaurant.

Photo by Marriott.com

Photo by Marriott.com

They also purchase the benefits of hotel clients, including laundry, housekeeping, and room service. Some of the higher-end suites on the top floors even get private elevators, free valet parking, and a $20,000 allowance to spend at any St. Regis location around the globe.

Louix Louis restaurant

Next is the building’s the design. During the rebranding, the building’s interior was redesigned by DesignAgency to be more much airy, open, and inviting than the previously dark and heavy ambience. The 31st floor, the top of the hotel portion of the building features a stunning, 18.5 ft ceiling-wide mural. Given its proximity to other major attractions like the CN Tower and the Scotiabank Arena, this building is worthy of tourist visits too!

Speaking of location, the St. Regis Toronto is located at the heart of downtown, on the border between the financial district and the entertainment district. This means residents get all the luxury and convenience of the St. Regis brand while also living at the heart of this vibrant city. There are also many top-quality restaurants all around the area, along with quick access to the PATH for shopping and entertainment. Everything residents need is within a walking distance!

Photo by Marriott.com

St. Regis Lobby by Marriot.com

Finally, the St. Regis management nurtures a community environment for residents, who are mostly young professionals and young families working in the area; many even have children. The management team will organize resident-only events like wine tastings in its residential lobby, providing great opportunities for the residents to connect with their neighbors.

The Future of St. Regis Toronto

Currently, there are a few remaining choice suites available starting in the mid-$1 million range and up to the low $3 million range. Compared to other 5-star hotel/residences in the city (e.g., Ritz-Carlton, Shangri-La, Four Seasons), St. Regis suites are by far the most well finished and the best value.

311 Bay Street #3405 available for sale

311 Bay Street #3405 available for sale

Yet given its past, the building is currently off the radar of many agents and prospective buyers. But with the recent rebranding and remodelling, it won’t be long before the realtors and the general public awaken to this luxurious opportunity in the heart of the city.

Jim Burtnick comments:

The early birds will enjoy the windfall that current exists until the rest of the population wakes up to this hidden gem.

So, contrary to popular belief, there are still a few “deals” to be had in Toronto luxury real estate. You just need to know where to look (or have a realtor who knows)!

If you’re looking for a unit at St. Regis residences, contact us for more info or have a look at Unit #3405 which is available for sale!

The holidays are just around the corner and Toronto is ready. Every year, you can enjoy amazing Christmas decorations around the city and we’re not talking about the lights at the Nathan Phillips Square. Torontonians love their Christmas decorations and some of the decorations people put up on and around their homes are definitely eye-catching. See for yourself!